Cheap Car Insurance in Rhode Island
Your real car insurance rate from licensed Rhode Island carriers.
Free · No obligation · Rhode Island licensed advisors
We compare 50+ carriers so you don't have to.
See prices and coverage side by side, in one place.
Rhode Island Car Insurance Minimums
Rhode Island requires all drivers to carry minimum liability insurance. Here are the state-mandated minimums:
Bodily Injury (per person)
$25,000
Bodily Injury (per accident)
$50,000
Property Damage
$25,000
Source: R.I. Gen. Laws § 27-7-2.1; § 31-47-2(13)(i)(A), verified 2026-09-01.
What drives car insurance rates in Rhode Island
Average spend per insured vehicle, 2023
$1,540
Rhode Island drivers spent $1,540 per insured vehicle on liability, collision and comprehensive in 2023, against $1,282 nationally.
Claims paid per premium dollar, 2023
72.7¢
Auto insurers in Rhode Island paid 72.7 cents in claims for every premium dollar in 2023; the median state was 72 cents.
Traffic deaths per 100 million miles, 2024
0.68
Rhode Island recorded 52 traffic deaths in 2024, 0.68 per 100 million vehicle miles against 1.19 nationally. Injury claims follow crash severity.
Vehicle thefts per 100,000 residents, 2025
104.7
Rhode Island reported 1,167 motor vehicle thefts in 2025, 104.7 per 100,000 residents, from 120.9 the year before. Theft claims are paid under comprehensive coverage.
Natural-hazard loss rank
#51
FEMA ranks Rhode Island #51 of 51 for expected annual loss from natural hazards; flood accounts for 73% of that loss, and comprehensive coverage is what pays for flood damage.
- Average spend per insured vehicle, 2023: NAIC Auto Insurance Database Report, 2023 data
- Claims paid per premium dollar, 2023: NAIC Profitability by Line by State, 2023
- Traffic deaths per 100 million miles, 2024: NHTSA Fatality Analysis Reporting System, 2024
- Vehicle thefts per 100,000 residents, 2025: FBI Crime in the United States, 2025
- Natural-hazard loss rank: FEMA National Risk Index
Largest auto insurers in Rhode Island
The ten insurer groups that wrote the most auto premium in Rhode Island in 2025, with their share of the state total of $1.3 billion.
| # | Insurer group | Market share | Premiums written |
|---|---|---|---|
| 1 | Progressive Group | 39.64% | $514 million |
| 2 | Allstate Insurance Group | 12.77% | $166 million |
| 3 | Berkshire Hathaway Group | 9.73% | $126 million |
| 4 | Amica Mutual Group | 9.03% | $117 million |
| 5 | United Services Automobile Association Group | 6.49% | $84 million |
| 6 | Auto Club Enterprises Insurance Group | 3.95% | $51 million |
| 7 | Liberty Mutual Group | 3.54% | $46 million |
| 8 | Mapfre Insurance Group | 2.8% | $36 million |
| 9 | Farmers Insurance Group | 2.77% | $36 million |
| 10 | Travelers Group | 2.54% | $33 million |
Source: NAIC Market Share Reports, 2025 data, direct premiums written by insurer group. GEICO writes inside Berkshire Hathaway Group. Ranking is market commentary; it says nothing about which carriers a quote comparison includes.
How it works
See why Truvo finds rates other agents can't.
WE COMPARE 50+ CARRIERS TO FIND YOUR BEST RATE
AUTOMATE THE RATE-SHOPPING PROCESS IN MINUTES
WE MATCH YOU WITH THE CHEAPEST POLICY FROM TOP CARRIERS
FAQs
What Our Customers Say
Don’t just take our word for it. See what real customers are saying about their Truvo experience.
View all our Google reviews5 out of 5 stars
“Truvo was GREAT!!! They helped me to the max, I saved 200 dollars on car insurance! Do you guys know what I can do with 200 DOLLARS?!??! Work with them😅😅👊 …”
Jmarion S.
5 out of 5 stars
“Very courteous and friendly to me with my auto insurance policy. VERY PLEASED.”
Wayland M.
5 out of 5 stars
“Truvo did an awesome job finding an insurance policy that saved money and met all my requirements!! Give them a call for great customer service!!”
Emily T.
5 out of 5 stars
“Very helpful and patient”
Diana C.
Ready to see your real rate?
free · real quotes in 2 minutes · no obligation
Compare My Rates